About West Texas Finance

What we do

West Texas Finance is an online loan request service. You fill in one request; we pass it to lenders and lending partners in our network who serve Texas. If a lender can work with you, it shows you its own offer with its own APR, fees and schedule. You compare, accept or walk away.

We are not a lender. We do not decide who gets approved, we do not set rates, and we never hold or send loan money. The lender you choose does all of that under its own license and its own loan agreement.

Why a West Texas site

Borrowing in West Texas has its own shape: oilfield paychecks that swing with the rig count, farm and ranch income that arrives once or twice a year, long distances to the nearest branch, and a market full of storefront installment lenders and payday or title shops. Our pages name the local credit unions, the city rules that apply to payday and title lenders, and the cheaper options worth trying first, because a loan request should be the last step, not the first.

How we are paid

Submitting a request costs you nothing. Lenders in our network may pay us when they receive a request or when a loan is made. Lenders set their own APR and fees; we do not add a charge to your loan. Details are on our disclosures page.

What we will never say

• That approval is guaranteed. No honest service can promise that.
• That there is no credit check. Most lenders check something: a credit report, a specialty bureau or your bank history.
• That money will arrive at a set time. Funding depends on the lender and your bank.
• That a high-cost loan is a good idea for a long-term problem.

How we keep these pages accurate

Texas rules, local programs and lender details change. We link to the provider and agency sources we use, cite official sources such as the Office of Consumer Credit Commissioner and city codes, and show the date of the last review at the top. If you spot something out of date, email [email protected] and we will check it.